```

Privacy Policy for Nuel

Last Updated: December 7, 2025

1. Introduction

Welcome to Nuel, a financial management application developed by Kimraro / Nicholas Kimaguti. This Privacy Policy explains how we collect, use, store, and protect your personal information when using the Nuel mobile application. By using Nuel, you agree to the terms outlined in this Policy.

2. Information We Collect

a. Information You Provide

We may collect the following information when you use the App:

Full name
Phone number
ID number (optional)
Group details (membership, savings records)
Shares, savings, and contribution details
Loan applications and repayment information

b. Automatically Collected Information

Device information (model, OS version)
Log data (usage logs, crash reports)
Network information (IP address, connection type)

We do not collect bank account numbers, passwords, or unnecessary sensitive data.

3. How We Use Your Information

We use your data for the following purposes:

Creating and managing accounts
Allowing agents to register loanees and groups
Managing shares, savings, and contributions
Processing and calculating loan qualifications
Improving app performance
Providing customer support
Complying with legal requirements

Your data is never sold or shared for advertising purposes.

4. Data Sharing

We only share data in the following cases:

With your explicit consent
With trusted service providers (e.g., cloud hosting)
To comply with legal obligations or requests

5. Data Security

We implement strong technical and administrative safeguards to protect your information, including:

Encrypted communication (HTTPS)
Secure storage and restricted data access
Regular system monitoring and audits

No system can guarantee 100% security, but we take every reasonable measure to protect your data.

6. Data Retention

We retain your information as long as your account is active or as required for operational or legal purposes. You may request deletion of your account at any time.

7. Children’s Privacy

Nuel is not intended for individuals under 18. We do not knowingly collect information from minors.

8. Your Rights

You may request to:

Access your data
Update or correct your information
Delete your account
Request details about how your data is used

9. Changes to This Policy

We may update this Privacy Policy from time to time. Updates will be posted on this page and include a revised date.

10. Contact Us

If you have any questions about this Privacy Policy, contact us at:

Email: kimaguti@gmail.com
Developer: Kimraro / Nicholas Kimaguti